💡 Quick Answer: Momentous is HSA/FSA eligible because it helps prevent, manage, and reverse a variety of health conditions including protein deficiency, cognitive decline, and sleep disorders, and many others. According to IRS Publication 502, all you need is a Letter of Medical Necessity.
Luckily, we make it ridiculously simple. Crates Health is the fastest way to get your personalized and compliant letter for Momentous and thousands of other wellness products, plus we handle your reimbursements directly through our platform with just one click.
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What is Momentous
Momentous is the premium performance supplement company that’s basically become the secret weapon for professional athletes and everyday high-performers who refuse to settle for “good enough.” Think of it as the anti-generic supplement brand. Every single product is NSF Certified for Sport, which means it meets the same rigorous testing standards used by the Olympics and literally every NFL team.
Founded by athletes who were frustrated with the Wild West supplement industry, Momentous partners with world-renowned experts like Dr. Andrew Huberman, Dr. Stacy Sims, and performance coaches from the NFL, NBA, and NCAA. Their product line spans everything from their famous “Momentous Three” (protein, creatine, omega-3) to specialized cognitive enhancers and sleep support. What sets them apart? They use premium ingredients like Creapure creatine from Germany and grass-fed whey from European farms, while most competitors source cheap alternatives from China. Plus, they’re trusted by 150+ professional and NCAA teams. When millions of dollars are on the line, this is what athletes choose.
Why Momentous Qualifies for HSA/FSA
According to IRS regulations, supplements can qualify as eligible medical expenses with a Letter of Medical Necessity under specific circumstances outlined in Publication 502.
IRS Publication 502 states that medical expenses are “the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and for the purpose of affecting any part or function of the body,” but “must be primarily to alleviate or prevent a physical or mental condition or illness.”
This means Momentous supplements can qualify for HSA/FSA reimbursement for prevention or treatment of:
- Protein deficiency and muscle wasting disorders
- Cognitive decline and memory disorders
- Sleep disorders and insomnia
- Magnesium deficiency and related conditions
- Omega-3 deficiency and cardiovascular disease
- Exercise recovery and performance optimization for medical conditions
- Age-related cognitive decline
- Chronic fatigue syndrome
The key requirement is that your healthcare provider must note the specific supplements as medically necessary for managing your health condition, not just for general wellness. This documentation comes in the form of a Letter of Medical Necessity (LMN).
How to Assess Your Eligibility
Traditional Route: Schedule an appointment with your primary care physician, discuss your health conditions and supplement needs, and request a Letter of Medical Necessity if supplementation is recommended as part of your treatment plan. This typically requires an office visit, potential wait times, and can cost $50-100+ depending on your insurance.
Faster, Smarter Route: Use Crates Health to get your Letter of Medical Necessity online in just a few minutes. Our platform connects you with licensed healthcare providers who can evaluate your conditions remotely and issue the appropriate documentation if you qualify. No office visits, no waiting weeks for appointments, and no surprise medical bills.
Frequently Asked Questions
Do other performance supplements qualify for HSA/FSA?
Absolutely! With the right medical documentation, you can potentially use HSA/FSA funds for protein powders, cognitive enhancers, sleep supplements, vitamins, and other nutritional products, as long as they’re recommended for treating specific medical conditions.
How does reimbursement work?
Some retailers accept HSA/FSA cards (most don’t though). When they don’t, you need to use your personal card and then reimburse yourself. This means finding and storing receipts and then uploading them and your LMN to your HSA/FSA admin portal. With Crates, we make this process simple: upload your receipt and get one click reimbursements all from our platform.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LMN) is a document from a licensed healthcare provider that explains why a specific expense like your Momentous supplements is medically necessary for treating a diagnosed condition. It’s the official paperwork that proves your supplementation isn’t just for general wellness. Each LMN typically remains valid for 12 months from the date of issue.
Will my claim get denied?
Every HSA/FSA admin is unique and may initially deny some claims. Usually, it is related to receipt format (must be itemized), LMN format, or other supporting documentation. With Crates, we will support you through this process and make sure you get your money back.
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